CoastalSouth Bancshares, Inc. (COSO) vs NewtekOne, Inc. (NEWT)

CoastalSouth Bancshares, Inc. and NewtekOne, Inc. are both Banks Regional companies. CoastalSouth Bancshares, Inc. and NewtekOne, Inc. are of similar size ($326.4M and $317.6M). NewtekOne, Inc. trades at the lower P/E: 5.0× against 11.5×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs 15.2%) and the higher return on invested capital (6.97% vs 5.17%). Across the 17 metrics below, NewtekOne, Inc. leads on 9 and CoastalSouth Bancshares, Inc. on 8.

Valuation

Metric COSO NEWT Banks Regional median
P/E 11.52 5.03 12.15
P/S 2.27 0.79 2.37
P/B 1.18 0.88 1.21
Price to free cash flow 4.76 n/m 10.80
EV/EBITDA n/m 12.33 —
EV/Sales 2.56 7.37 2.27
Earnings yield 8.68% 19.89% 8.11%
Free cash flow yield 21.01% (230.43%) 8.98%

Profitability

Metric COSO NEWT Banks Regional median
Gross margin 62.61% 100.00% 69.57%
Operating margin 0.00% 62.85% 0.00%
Net margin 19.59% 15.20% 18.66%
Free cash flow margin 47.72% (181.88%) 21.18%
Return on equity 11.50% 18.79% 10.64%
Return on assets 1.19% 2.33% 1.13%
Return on invested capital 6.97% 5.17% 8.33%

Growth

Metric COSO NEWT Banks Regional median
Revenue growth (TTM) — 11.71% 6.61%
EPS growth (last fiscal year) 3.26% 11.22% —
Revenue growth, 5-year CAGR — 32.97% 12.30%
Net income growth, 5-year CAGR — 11.59% 9.71%

Health

Metric COSO NEWT Banks Regional median
Debt to equity 0.28 6.54 0.22
Current ratio 0.95 0.65 0.94
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric COSO NEWT Banks Regional median
Dividend yield — 6.44% 3.75%
Payout ratio — 1.55 0.27

Size

Metric COSO NEWT Banks Regional median
Market cap 317.63m 326.40m 921.07m

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